Updates to this policy will be published on our website or are available on request.
Unless stated otherwise, in this policy "Endsleigh", "we" and "us" mean these companies registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE:
For the purposes of data protection legislation, each company above is a data controller of your personal information and is in the Endsleigh group of companies.
We collect and process personal information that you provide via our website, via price comparison websites or when you contact us, including some information we collect automatically. We also collect information about you from other sources, including information you have voluntarily made public.
We collect and process personal information that you give us when requesting a quotation, when you buy from us, when you advise us of a change or when making a claim.
The personal information we collect includes:
We routinely record and monitor calls, emails and other communications to improve our service and for security and regulatory purposes.
When you use our website Endsleigh Insurance Services Limited automatically collects information such as your IP address (the unique address identifying your device from all the others on the internet), what type of device you are using (e.g. a tablet, phone or PC) and cookies from your device.
Our website contains web technologies that collect information from your movements around our website and the data you enter. Endsleigh uses this information to improve the design of our website, for profiling and for decision-making, but not for marketing or sharing with third parties for marketing.
Cookies are used to compile anonymous website usage statistics, for fraud prevention and to measure the effectiveness of our online advertising campaigns.
It's important that you take reasonable care when answering any questions we ask by ensuring that all information provided is accurate and complete. If you carelessly provide false or misleading information to us, or to an insurer, it could adversely affect your policy and any claim. If you deliberately or recklessly provide false or misleading information the insurer will be entitled to treat your policy as if it never existed, decline all claims and take further legal action against you.
You must tell us about any change in your circumstances as soon as possible as this could affect your insurance cover.
Endsleigh and our selected third parties collect and use your information to meet our legal obligations, and for these legitimate business purposes:
We keep the amount of information collected and the extent of any processing to the minimum to meet these legitimate business purposes.
We normally need your consent before we permit other people you trust to act on your behalf.
Data protection legislation permits us to collect and use sensitive personal information (e.g. criminal convictions, health records, union membership and the time you’ve been resident in the UK) without requiring your consent.
We will obtain your consent before contacting you by email, text, phone or post about products, discounts, rewards or competitions we think will interest you.
If you change your mind at any time and wish to withdraw your consent to this contact, you can either click the unsubscribe link in our emails or contact us.
Please note: We do not share your information for marketing purposes with anyone outside of the Endsleigh group of companies.
When you ask us for an insurance quotation, we will ask a credit reference agency to provide your credit score, which you too can obtain from any credit reference agency. The information we receive as a result is based on public data including the edited electoral roll, county court judgements, Scottish decrees and bankruptcy registers. This quotation search is recorded by the credit reference agency but does not affect your credit score. You can find out further information about how the Credit Agencies collect and use personal data at www.callcredit.co.uk/crain.
When you ask us for an insurance quotation we will carry out anti-fraud checks to validate your application. We will search third party fraud prevention and detection databases, and if we suspect fraud, Endsleigh or insurers can decline to offer you insurance.
If you proceed to buy an insurance policy from Endsleigh, please be aware that these searches are conducted again when your policy is due for renewal. If you choose to pay by monthly Direct Debit, your details will be sent to a premium finance provider, or your insurer as appropriate, who will assess your application and may carry out additional credit and anti-fraud checks which could affect your credit score.
Endsleigh maintains relationships with education related organisations and institutions, unions, professional bodies, charities and other employers. Endsleigh uses the personal information you provide, together with data from these organisations to refine the insurance quotes we provide.
Insurers pass information to the Claims and Underwriting Exchange Register, run by Motor Insurers' Bureau (MIB) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help us check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search these registers.
Under the conditions of your insurance policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers.
In order to prevent and detect fraud, we may at any time:
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
Endsleigh and the insurer or other organisations may access and use this information to prevent fraud and money laundering, for example when:
The information recorded by fraud prevention agencies may be stored in other countries and used by the Insurer and other organisations from these countries.
Please contact us by email to email@example.com if you want to receive details of the relevant fraud prevention agencies.
Information relating to your motor insurance policy will be added to the Motor Insurance Database (MID) managed by the Motor Insurer’s Bureau (MIB). MID and the data stored on it may be used by certain statutory or authorised bodies including the police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
If you are involved in a road traffic accident (either in the UK, EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information. Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the police. You can check that your correct registration number details are shown on the MID at www.askmid.com. You can find out more about this from your insurer, or at www.mib.org.uk.
When necessary we will share your personal information with:
We transfer your data outside of the UK. We have safeguards in place including standard contractual clauses which have been adopted or approved by the EU or other solutions that meet the requirements of European data protection laws to ensure that your personal data are protected to the extent you would expect, were they to remain in the UK. A copy of these safeguards is available from our data protection officer.
We keep your information only for as long as is necessary to meet the purposes for which it was collected and to comply with our legal and regulatory obligations as set out by HMRC, the Financial Conduct Authority and others.
Under data protection legislation you have the right to:
If you have any concerns regarding our processing of your personal information or your data protection rights, please contact us. If you have raised a concern with us and it has not been resolved to your satisfaction, you have the right to report your concern to the Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. The Information Commissioner’s Office cannot award compensation.
We keep your customer profile which includes information about you that you did not give to us yourself. Where necessary for our contract with you, or where we have authorisation in law or your agreement, we will use your personal information, including your customer profile, to make automated decisions for the purposes of i) providing quotations for insurance and similar financial products ii) detecting or preventing fraud or other crimes; iii) processing claims; or iv) marketing. You may, under certain circumstances, have the right not to be subjected to such automated decisions where they have a legal or similarly significant effect on you.
To exercise your data protection rights or to find out more about how we use your information please contact us:
by email to: firstname.lastname@example.org
or in writing to:
Data Protection Officer
Endsleigh Insurance Services Limited
Requests must be made by the data subject (the person the data relates to), or by someone who we have previously agreed may act on their behalf. We have the right to refuse requests which are excessive, unfounded or repetitive, or where we are unable to verify your identity. We may also ask you to provide additional information or documentation if we are unable to verify your identity.
When making a request, please include i) your full name and date of birth as they appear on your insurance documents and ii) any relevant dates, times and reference numbers, particularly policy, quote or claim numbers.
Updated 21 January 2019